Algún caso en España que se haya aplicado esta ley ??

Se dice "No creo que deba haber problemas de este tipo".

No se dice:

"espero que hayan ..." ni "puedan haber ..."

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¿Entonces, el fondo de garantia solo podra comprar el 60% de los
"activos de alta calidad"??

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España es el pais mas endeudado del planeta
y no digáis que esto es una democracia porque esto es un cachondeo

En estos días me ha llegado una carta de mi banco, que no comentare cual es por que me avergüenza decirlo, llamemosle "Usurero X", pues bien esta es la carta:

"Sabes que algún día tendrás que independizarte. que llegara el momento de tener que disfrutar de tu propia casa. Y en "usurero x" te ayudamos a dar ese gran paso. (Encima van de colegueo)

... Te damos todas las facilidades... Hasta el 100% de la casa y nos los puedes devolver hasta en 40 años si quieres.. (Eso como se entiende, ¿que si no quiero no pago?..)

Puedes pagar hasta un 30% menos de cuota los primeros años (que supongo que sera a cuenta de añadir unos cuantos intereses mas y listo)...

.. y si un mes no puedes pagar nada, no pasa nada... puedes retrasar el pago de hasta 2 cuotas al año con un máximo de 10 durante toda la vida del préstamo. (Tampoco comenta el coste de esa "ayudita")..
.. Si eres uno de los que les guste vivir sin sobresaltos puedes elegir un tipo fijo que podrás mantener hasta 25 años... (Que tampoco esto sera gratis...).. y te ayudamos a pagar la entrada... y bla bla bla... siguen unas cuantas ofertas trampa todo ello bien ilustrado con una foto de una pareja interracial siempre sonriente jugando a la play supuestamente en "su casa" nueva.

¿Y yo me pregunto? Si todo lo que se esta diciendo aquí esta hipercontrastado por economistas de todos los colores. ¿Que pretenden los bancos aun?¿Captar a mas pobres incautos que apechuguen con la catástrofe que ellos mismos han contribuido a provocar?¿Aparentar una normalidad absoluta dando el 100% del valor de la vivienda cuando en todas partes se sabe que el Banco de España a parte de de desaconsejar lo tiene terminantemente prohibido? ¿No debería ser los bancos que se han lucrado de la inocencia de los trabajadores de a pie, los que paguen las consecuencias?

Agarraos que vienen curvas....

Un saludo
David.

Nunca cojas un cuchillo que cae

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España es el pais mas endeudado del planeta
y no digáis que esto es una democracia porque esto es un cachondeo

ya queda menos para ver el dichoso 20%
http://www.ahe.es/bocms/images/bfile....pdf?version=4

LEY 2/1981, DE 25 DE MARZO, SOBRE REGULACIÓN DEL
MERCADO HIPOTECARIO
(Actualizada con la Ley 41/2007)

"Si por razones de mercado o por cualquier otra circunstancia que haga desmerecer el
precio de bien hipotecado el valor del mismo desciende por debajo de la tasación inicial
en más del 20 por 100, la institución financiera podrá exigir la ampliación de la hipoteca a
otros bienes, a menos que el deudor opte por la devolución de la totalidad del préstamo
o de la parte de éste que exceda del importe resultante de aplicar a la tasación actual el
porcentaje utilizado para determinar inicialmente la cuantía del mismo"

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HIPOTECAS BARATAS - OCASO INMOBILIARIO 2008 - EXPLOSIÓN DE LA MOROSIDAD 2009

joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder, joder.

As Housing Prices Plunge, Refinancing Gets Harder - Real Estate * US * News * Story - CNBC.com

As Housing Prices Plunge, Refinancing Gets Harder

By: Mark Koba, Senior Editor | 13 Feb 2009 | 01:03 PM ET

With mortgage rates at 25-year lows, refinancing applications have reached record levels in the last two months. But homeowners who bought during the boom years are getting squeezed out of refinancing because the value of their home has plummeted.

"I tried to refi but they won't give me a new mortgage because I bought at the peak of the market and my house has depreciated," says Connecticut homeowner James McCusker. "I don't have the 20 percent equity in the house I need. When they turned me down, they said to me to qualify for any government-related loan program, I need to lose my job."

McCusker, a public relations executive, and his wife, a school teacher bought their home in July of 2005 for $462,500 with a 30 year fixed loan at 6.3 percent.

But today, the home has a value today of $433,000. "We have good jobs, never missed a mortgage payment, "says McCusker. "But I can't get any help. There's something wrong with that."

Industry experts see McCusker's problem as a continuing sign of the skidding real estate industry.

Symptom of the Times

"It's a symptom of the times and it's mushrooming," says Greg McBride, a senior analyst for Bankrate.com, of the difficulty people have refinancing. "It's a bigger problem now than three months ago, and it was growing problem then."

The problem is particularly acute for people who bought a few years ago, when housing prices were skyrocketing.

"People could buy a house with no money down," McBride says. "They were borrowing with the equity from home prices. But with foreclosures and a falling economy, home prices fell and the music stopped."

"For those that bought a home in the last couple of years, it's a difficult time to refinance," says Jon Paukovich, Vice President of Mortgage Lending at Ent Federal Credit Union in Colorado Springs, Colorado. "We have seen borrowers who have not been able to finance because of how far property values have declined."

Paukovich says his firm handled some $30 million in refinancing in January, and the main reason for rejecting a loan is loss of home equity. "We only turn down about 25 percent of the applicants," says Paukovich, "And the main reason is property values."

Luigi Rosablanca is a New York real estate lawyer who says middle-income homeowners are getting hit hard when it comes to refinancing. "We are in a situation right now that if you really need help, you can get it," says Rosablanca. "But if you're in the middle you can't. The assistance should be across the board for refinancing."

For homeowners, many lenders don't have an incentive to refinance a home that's valued lower than the original price. "Unfortunately, we run into that a lot," says Steve Habetz, CEO of Threshold Mortgage. "People call us to refinance that don't have enough equity and we have to say no. We try our best, but you can't force a bank to refinance them."

In the boom times of real estate, home appraisals helped create what some say were higher than actual price values. But now experts say appraisers are taking a different more realistic approach that's actually hurting some refinancing. "My own opinion is that appraisers were under pressure to submit higher prices," says Ent Credit Union's Paukovich. "But now appraisers are more conservative. The purchasers of the mortgages want them to be conservative and much more thorough."

Threshold Mortgage's Habetz agrees that appraisers are more cautious. "They have a lot less stress," says Habetz. "Home prices are stabilizing somewhat but not going up. Right now there's great fear for everyone when it comes to home prices."

Loan To Value

McCusker paid 9 percent down to buy his home. He says he just didn't have the $95,000 to make it 20 percent down, but he had some hope the house would increase in value. "The mortgage broker told us that the way homes were appreciating, we would reach 20 percent equity in a couple of years and we should refi at that point," says McCusker. "Thing is, the house never appreciated to bring us to that point. In fact, it went in the opposite direction."

To refinance, McCusker had hoped to use the 20 percent equity in his home as a down payment, but he now faces a housing market that puts his current mortgage in a financial hole. "I pay about $2,900 a month for my mortgage," says McCusker. "But with the house worth some $30,000 less, if the definition of being underwater is that the mortgage value is more than the value of the house, I am underwater."

Bankrate's McBride says 20 percent down will give you the best terms for refinancing. But anything less is pretty much a gamble for lenders. "For now, homeowners are stuck," says McBride. "I think one thing that would be nice to see, is a government program designed to facilitate refinancing for people that have been current on their loans for at least two years."

As for someone like McCusker, the advice ranges from eventually you'll find a lender to just sit tight and ride out the financial storm. "Shop around," says lawyer Rosablanca. "There are wonderful banking opportunities. One of the good affects of this current situation is that the folks that were not true professionals are now mostly out of the business."

"It would be difficult for a lender to take on that loan," says Threshold's Habetz. "He doesn't have much of an option." "Each lender approaching this in a different manner. They’re playing it like a poker game. From their stand point, they don’t want to do anything."

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HIPOTECAS BARATAS - OCASO INMOBILIARIO 2008 - EXPLOSIÓN DE LA MOROSIDAD 2009

si los bancos aplican ese 20% (recordemos que si alquilas el piso comprado la caida es considerable en valoracion para el banco) la gente los quema vivos

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ojito con las inmobiliarios

ultimas tablas de cajas actualizadas

2006: First, they ignore you (phase 1)
2007: Then, they laugh at you (phase 2)
200 Then, they fight you (phase 3)
2009: Then, you win (phase 4)
2010: Now, capitulación

Pero esta mierda la conoce la gente?
Quién fue el hijoputa de aprobó esta ley?

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Preguntad a vuestros hermanos mayores, preguntad a vuestros padres, haced memoria:
¡¡¡VOLVEMOS AL NIVEL DE LOS OCHENTA!!!

yo si,
llevamos tiempo avisando
ejemplo AGOSTO 0 Bancos podrán obligar a las familias a hipotecar otros bienes, ante caídas del 20% y seguro que hay antes, eche un ojo ande!

QUE DICE LA NUEVA LEY ANTE CAIDAS del 20% en la vivienda-importante?

Los precios de la vivienda aceleran su caída

llegan los filtros!!!Coto a la titulización: la banca no podrá emitir bonos sobre hip

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ojito con las inmobiliarios

ultimas tablas de cajas actualizadas

2006: First, they ignore you (phase 1)
2007: Then, they laugh at you (phase 2)
200 Then, they fight you (phase 3)
2009: Then, you win (phase 4)
2010: Now, capitulación